The industry is plagued by predatory lenders and practices designed to trap vulnerable borrowers. As a borrower with bad credit, the options for loans are limited and usually not very good. Within the available loan option, as a smart borrower be aware of the reigning pitfalls. Be proactive at the beginning of your personal loan journey thus preventing trouble along the way.
Most common pitfalls and scams to stay away from:
Roll over of the loan to another term As many people have difficulty in repaying the loan within a short span of time, the loan usually rolls over for one more term thereby making the original loan more expensive. This may also lead you to a vicious cycle of debt. To avoid this mishap always ensure that you can repay the loan in its entirety on its due date.
Astronomical APR
As a borrower with bad credit, you will be eligible only for pay day style short term loans and they usually have very high-interest rates (ranging from 230% and upwards) leaning on shark loan territory. Ensure to avail these loans only in true emergencies.
Multiple fees structure
Especially online lenders levy a variety of fees like origination fees and various other range of fees. Always read the offer document carefully.
Accreditation
Check if the lending company is accredited by the BBB. The newer online ones are usually not. Many lenders do not offer secured loans.
Add-ons
Expensive insurance add-ons that ensure that the loan is paid back if you die or get disabled, are slipped in by some lenders.
Upfront fees
It is illegal for lenders to charge you fees for just filling up an application form.
Guarantees
Lenders with the intention of scamming the borrower usually advertise approval of a loan without knowing your credit history, income, and personal information. This is not a legitimate lender – stay away.
Uninitiated contact
Another tactic used by illegitimate lenders to lure vulnerable borrowers is by constantly getting in touch through emails and calls. This is another red flag.
Name imitations
Disreputable lenders may use similar sounding names of legitimate lenders. If they have to borrow the reputation of the legitimate lender, it goes to show how unethical their practices are.
Collecting personal information
Please provide your personal information only to reputed companies so as to avoid identity theft and another misuse of data.
Undue pressure
Lenders may use scare tactics to pressurize you into making a deal before having considered all available options.
Various medical studies have highlighted the fact that more than one-third of the adults in the country use the Internet for self-diagnosis on a regular basis. Even though it is always advisable to seek the guidance of healthcare professionals rather than a self-diagnosis, the online symptom checker is excessively popular among the adult population. Here is a list of the best online symptom checkers that are free and publicly available.
Other than the aforementioned popular online symptom checkers, some other options include DocResponse (Provides almost 67% accurate results), Mayo Clinic (Generates almost 59% accurate results), FamilyDoctor (Offers almost 56% accurate results), and HMS Family Health Guide (Provides almost 52% accurate results).
Even though a lot of online symptom checkers are available in today’s tech-savvy era, the pharmacists should always encourage patients to consult a medical expert or health care professional for an accurate diagnosis and effective treatment.
Fashionable women want to maintain their style and fashion statement, during their maternity time as well. Pregnancy is an awesome experience, so women want to enhance their feeling. Wearing the most comfortable clothing is a simple way to enjoy your pregnancy and feel more relaxed. women’s clothes are made of different kinds of fabrics to enhance the wearing experience. Now, you can easily find trendy and fashionable dresses offered by the best brands.
The high-quality and comfortable dresses are available in different styles, so you can wear them to improve your fashion statement. The stylish clothing looks very stunning. The branded clothes are now available in an array of fantastic colors. It is always smart to wear soothing clothes during your pregnancy. The comfortable clothing ensures that you and your baby are very healthy.
Get beautiful look;
The best brand offers fine quality clothing for women. They also help you to live a healthy lifestyle. The new fashionable clothing let you look fabulous forever. If you like to entirely revamp your clothing or add some essentials to your shopping spree, you can prefer womens clothes made of quality and smooth fabrics. The dresses are available in numerous varieties and styles, that will perfectly suit all shopping needs. The branded clothing is available in various materials, price ranges, sizes, colors, and brands.
By using these options, you can select the right clothing based on your requirements and style. If you have a limited budget, you can prefer the affordable dresses. Women cheap clothes not only save money but also gives you a fantastic chance to look sophisticated and beautiful. The branded dresses also enhance the style quotient and complement the personality of women.
Enjoy great comfort:
If you want to show your unique fashions statement, you can prefer the best range of branded and highly attractive dresses. Women S clothes include some specialized features to give women an awesome and enhanced wearing experience. The branded clothing also provide you some additional benefits, including:
Improve your style statement:
Trend plays a major role in selecting the dresses, so you can consider it before making a buying decision. Women’s clothes that are dirt cheap is an ideal choice for women, who want to save more money on their shopping. These are the features of women’s clothes that make them ideal for pregnant women, who would like to enjoy their motherhood with trendy, fashionable clothing. When you wear branded and comfortable dresses, you can easily make the most splendid fashion statement.
Many brands now offer top quality women’s clothes with year-long seasonal promotion, so you can choose the best to enjoy additional discounts. Branded dresses are made by from top quality fabrics and awesome designs. Also, the branded dresses are available at a fairly reasonable price, that will surely fit into your budget.
So all the pregnant women out there, are you ready to enjoy your motherhood with style and grace?
Life insurance policies are widely offered by most insurance companies to provide death benefits to one’s kith and kin in the event of an untimely death. There are many kinds of life insurance coverage options available for seniors at different rates of premium payable.
Senior life insurance allows seniors to age and live gracefully without feeling that they will burden their dependents financially. While enabling the maintenance of a particular accustomed standard of living, senior life insurance policies also offer coverage for immediate expenses after the insured dies.
While the term of most life insurance policies is only valid for a limited period as stated in the policy, they do not possess any other cash benefits. A whole life insurance can be availed without an expiry date and the beneficiaries of the deceased receive death benefits that may often be multiples of the original sum insured without any associated tax liabilities. Also, some kinds of whole life policies are treated like a performing asset as they have an associated cash value. The insured is permitted to sell their life insurance to an investor or even use the insurance policy as collateral when borrowing money for some unexpected expenses when one ages.
Different senior life insurance policies are available offering a range of coverage options, death benefits, coverage of burial and funeral expenses and so that vary based on the amount to be paid out as premium on the sum insured. Also, most senior life insurance policies would require the applicant to explain the basic eligibility criteria to qualify for the life insurance policy. A better idea of life covers available for senior, and their payments and benefits accruing needs to necessarily be discussed with your insurance or investment advisor. Also, there are ample resources available on the internet offering online life insurance quotes seniors can benefit from. These online quotes are well worth your time and effort to go through before you decide on what kind of senior life insurance policy to opt for.